NO Effect on my Score

[Anonymous]

my situation is similiar believe it or not I had 6 PFD the beginning of last month and my CC is at 4% 2 Inquireys and my score still holds low,,,,man I thought once I got these paid off my score would increase quite a bit,,,the most has been 20 points....I have 2 CO that are paid in full but I couldnt get PFD so I guess thats it.  Its sad I make over 140k a year and I couldnt qualify for a freaking walmart gift card...because of a job loss 3 years ago hahaha...I offered sallie mae a full payment on my student loans plus an extra 30% to remove the lates and they wouldnt take it..everything in life is Negotiable with $$$ just not your credit score..haha

[Anonymous]

If CA's were years, my report could vote if not almost drink legally.

[Bruiser]

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jaguls66 wrote:
If CA's were years, my report could vote if not almost drink legally.

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  i think you have your answer right there

i would try working on getting some of them removed

try a GW letter first, which probably won't work, but it's the free way

then try a PFD letter gradually, that's if you want to get them removed before they expire

never pay them and then ask for it to be removed after they have your money,..

[Anonymous]

Sent out a Few PFDs last week, opened up 2 secured cards. See what the PFDs get me by next week hopefully.

[Bruiser]

you're on the right track then

those cards won't help much at the get go,.but they will gradually boost your score more as time goes on

[Anonymous]

trying to get from 472 to 550+ by Feb. 08.